Financial Results Presentation Q2

3 Merpay―Our Unique Brand of Credit Utilizing the usage history of Mercari and Al technology, we provide the appropriate amount of credit to users. In doing so, we aim to realize a high collection rate and the creation of a safer, more secure environment. Mercari usage history, etc. + Al technology Financial Results Presentation Material mercari Usage history Offer the appropriate amount of credit High - Usage limit ΑΙ Unpaid rate Low Simulating a user's unpaid rate & credit amount Note: This graph represents one possible example. 25 25

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